{ "brand": "Bank of Queensland Limited", "brand_label": "BOQ", "brand_slug": "bank-of-queensland-limited", "legal_entity_abn": "32009656740", "public_base_uri": "https://api.cds.boq.com.au", "logo_uri": "https://www.boq.com.au/content/dam/boq/images/miscellaneous-images/boq-logo2.png", "status": "ok", "stale": false, "bank_last_updated": "2026-11-11T21:53:58Z", "at_a_glance": { "note": "This bank's best savings rate per customer segment (personal, smsf, business) and rate kind (ongoing: the conditional rate, bonus conditions met; intro: in the introductory period; base: the base rate, no conditions met), one line each: the highest of the bank's own entries in the best/{segment}/{kind}/{balance}.json slices (age-limited, pensioner, occupation-limited, organisation-only and adviser-platform accounts left out, as there), so it matches best/ and top/; a bank with no entry there for a segment and kind takes its entry from entries_all. reference_balances are the slice balances where it is the bank's entry; the rate is at the first of them. conditions is a key into condition_sets. unranked counts the products no slice ranks, by reason. Every product and rate row follows in products and rows.", "rates": [ {"segment":"personal","kind":"ongoing","rate_pct":5.2,"base_rate_pct":5.2,"bonus_rate_pct":null,"intro_rate_pct":0.55,"intro_months":4,"product_label":"Simple Saver Account","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":0.0,"interest_paid":"monthly","conditions":"k1","restrictions":[],"record_stale":false}, {"segment":"personal","kind":"intro","rate_pct":5.75,"base_rate_pct":5.2,"bonus_rate_pct":null,"intro_rate_pct":0.55,"intro_months":4,"product_label":"Simple Saver Account","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":0.0,"interest_paid":"monthly","conditions":"k1","restrictions":[],"record_stale":false}, {"segment":"personal","kind":"base","rate_pct":5.2,"base_rate_pct":5.2,"bonus_rate_pct":null,"intro_rate_pct":0.55,"intro_months":4,"product_label":"Simple Saver Account","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":0.0,"interest_paid":"monthly","conditions":"k1","restrictions":[],"record_stale":false}, {"segment":"smsf","kind":"ongoing","rate_pct":1.5,"base_rate_pct":1.5,"bonus_rate_pct":null,"intro_rate_pct":5.0,"intro_months":4,"product_label":"Business WebSavings Account","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":null,"interest_paid":"monthly","conditions":"k2","restrictions":["occupation_membership"],"record_stale":false}, {"segment":"smsf","kind":"intro","rate_pct":6.5,"base_rate_pct":1.5,"bonus_rate_pct":null,"intro_rate_pct":5.0,"intro_months":4,"product_label":"Business WebSavings Account","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":null,"interest_paid":"monthly","conditions":"k2","restrictions":["occupation_membership"],"record_stale":false}, {"segment":"smsf","kind":"base","rate_pct":1.5,"base_rate_pct":1.5,"bonus_rate_pct":null,"intro_rate_pct":5.0,"intro_months":4,"product_label":"Business WebSavings Account","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":null,"interest_paid":"monthly","conditions":"k2","restrictions":["occupation_membership"],"record_stale":false}, {"segment":"business","kind":"ongoing","rate_pct":1.5,"base_rate_pct":1.5,"bonus_rate_pct":null,"intro_rate_pct":5.0,"intro_months":4,"product_label":"Business WebSavings Account","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":null,"interest_paid":"monthly","conditions":"k2","restrictions":["occupation_membership"],"record_stale":false}, {"segment":"business","kind":"intro","rate_pct":6.5,"base_rate_pct":1.5,"bonus_rate_pct":null,"intro_rate_pct":5.0,"intro_months":4,"product_label":"Business WebSavings Account","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":null,"interest_paid":"monthly","conditions":"k2","restrictions":["occupation_membership"],"record_stale":false}, {"segment":"business","kind":"base","rate_pct":1.5,"base_rate_pct":1.5,"bonus_rate_pct":null,"intro_rate_pct":5.0,"intro_months":4,"product_label":"Business WebSavings Account","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":null,"interest_paid":"monthly","conditions":"k2","restrictions":["occupation_membership"],"record_stale":false} ], "condition_sets": { "k1": [ "A smartphone that supports iOS 12.0+ or Android 8.0+.", "An Australian mobile number", "An Australian drivers licence or Australian passport or Medicare card", "An Australian residential address" ], "k2": [ "QLD/NSW solicitors and QLD/NSW property agents and motor dealers looking for an interest-bearing Controlled Money Account or Investment Trust Account to hold c…", "balances from $10,000 earn the rate; the first $0 to $9,999 earns 0.00%" ] }, "unranked": { "products": 8, "transaction_account": 3, "foreign_currency": 1, "detail_unavailable": 2, "offset_account": 1, "other_product": 1 } }, "source": "Consumer Data Right Product Reference Data APIs (public, unauthenticated), transaction and savings accounts category", "licence_note": "Rates are published by each bank under the Consumer Data Right as public Product Reference Data and are reproduced here as reference data with the source URL and the bank's own last-updated timestamp on every row. Rates change without notice; bonus interest is paid only in the months the account's conditions are met; check the bank's page before acting. This is not financial advice.", "products": [ { "product_id": "18906e88-5c03-ee11-8f6e-00224814d330", "product_name": "Business WebSavings Account", "product_label": "Business WebSavings Account", "product_slug": "business-websavings-account", "page": "/au/finance/savings-accounts/accounts/bank-of-queensland-limited/business-websavings-account/", "product_url": "https://www.boq.com.au/business/business-bank-accounts/savings-and-investment-accounts/business-websavings-account", "rate_correction": null, "interest_paid_correction": null, "min_balance_correction": null, "terms_url": "https://www.boq.com.au/important-information/terms-and-conditions", "fees_url": "https://www.boq.com.au/business/business-bank-accounts/savings-and-investment-accounts/business-websavings-account", "eligibility_url": "https://www.boq.com.au/important-information/terms-and-conditions", "account_type": "savings", "segments": [ "smsf", "business" ], "segment": "business", "description": "Make the most of your business savings with the flexibility of accessing your money anytime", "bonus_is_total": null, "intro_is_total": false, "intro_is_bonus_rate": false, "intro_months": 4, "intro_conditions": [ "4 Month Introductory Special Offer for new customers only for $10000 and over. Introductory Special Offer (available for a limited time only) Accounts opened f…" ], "bonus_conditions": [], "extra_bonuses": [], "max_bonus_balance": null, "min_balance": 10000, "max_balance": null, "notice_days": null, "rates_at_reference_balances": { "10000": { "ongoing_pct": 1.5, "intro_pct": 6.5, "base_pct": 1.5 }, "50000": { "ongoing_pct": 1.5, "intro_pct": 6.5, "base_pct": 1.5 }, "250000": { "ongoing_pct": 1.5, "intro_pct": 6.5, "base_pct": 1.5 } }, "rankings": [ { "segment": "smsf", "kind": "ongoing", "balance": 10000, "rank": 32, "of": 44, "hidden_by_default": true }, { "segment": "smsf", "kind": "ongoing", "balance": 50000, "rank": 32, "of": 44, "hidden_by_default": true }, { "segment": "smsf", "kind": "ongoing", "balance": 250000, "rank": 37, "of": 44, "hidden_by_default": true }, { "segment": "smsf", "kind": "intro", "balance": 10000, "rank": 1, "of": 44, "hidden_by_default": true }, { "segment": "smsf", "kind": "intro", "balance": 50000, "rank": 1, "of": 44, "hidden_by_default": true }, { "segment": "smsf", "kind": "intro", "balance": 250000, "rank": 1, "of": 44, "hidden_by_default": true }, { "segment": "smsf", "kind": "base", "balance": 10000, "rank": 26, "of": 44, "hidden_by_default": true }, { "segment": "smsf", "kind": "base", "balance": 50000, "rank": 26, "of": 44, "hidden_by_default": true }, { "segment": "smsf", "kind": "base", "balance": 250000, "rank": 31, "of": 44, "hidden_by_default": true }, { "segment": "business", "kind": "ongoing", "balance": 10000, "rank": 32, "of": 50, "hidden_by_default": true }, { "segment": "business", "kind": "ongoing", "balance": 50000, "rank": 35, "of": 50, "hidden_by_default": true }, { "segment": "business", "kind": "ongoing", "balance": 250000, "rank": 41, "of": 50, "hidden_by_default": true }, { "segment": "business", "kind": "intro", "balance": 10000, "rank": 1, "of": 50, "hidden_by_default": true }, { "segment": "business", "kind": "intro", "balance": 50000, "rank": 1, "of": 50, "hidden_by_default": true }, { "segment": "business", "kind": "intro", "balance": 250000, "rank": 1, "of": 50, "hidden_by_default": true }, { "segment": "business", "kind": "base", "balance": 10000, "rank": 29, "of": 50, "hidden_by_default": true }, { "segment": "business", "kind": "base", "balance": 50000, "rank": 32, "of": 50, "hidden_by_default": true }, { "segment": "business", "kind": "base", "balance": 250000, "rank": 38, "of": 50, "hidden_by_default": true } ], "features": { "card_access": false, "card": null, "digital_wallets": [], "osko": false, "payid": false, "payto": false, "bpay": false, "app": true, "notifications": false, "unlimited_transactions": true, "free_transactions": null, "linked_account_required": false, "round_up": false, "joint": null, "joint_bonus": null, "joint_not_for": null, "other": [ "Bonus offer available for new business customers. 4 Month Introductory Offer includes add…", "Competitive rates of interest paid on balances from $10,000", "$0 minimum account balance" ] }, "feature_tags": [ "app", "unlimited transactions" ], "interest_paid": "monthly", "interest_calculated": "daily", "monthly_fee": null, "monthly_fee_note": null, "fees_without_amount": [], "age_min": null, "age_max": null, "restrictions": [ "occupation_membership" ], "who_can_open": { "restricted": true, "groups": [ { "kind": "occupation", "who": "QLD/NSW solicitors and QLD/NSW property agents and motor dealers looking for an interest-bearing Controlled Money Account or Investment Trust Account to hold c…", "level": "product", "quote": "QLD/NSW solicitors and QLD/NSW property agents and motor dealers looking for an interest-bearing Controlled Money Account or Investment Trust Account to hold clients' money in trust and hold relevant practicing certificate as legal practitioners or relevant industry license as agents.", "source": "feed: eligibility" } ], "open_note": null }, "conditions": [ "QLD/NSW solicitors and QLD/NSW property agents and motor dealers looking for an interest-bearing Controlled Money Account or Investment Trust Account to hold c…", "balances from $10,000 earn the rate; the first $0 to $9,999 earns 0.00%" ], "eligibility": [ "business: Be an Australian company, sole trader, partnership, association, trust, self-managed superannuation fund, non-for-profit organisation or other forms of business structure acceptable to BOQ and have an ABN or ACN where applicable, or be a foreign company carrying on business in Australia that is registered with ASIC.", "QLD/NSW solicitors and QLD/NSW property agents and motor dealers looking for an interest-bearing Controlled Money Account or Investment Trust Account to hold clients' money in trust and hold relevant practicing certificate as legal practitioners or relevant industry license as agents." ], "record_stale": false, "source_url": "https://api.cds.boq.com.au/cds-au/v1/banking/products/18906e88-5c03-ee11-8f6e-00224814d330", "source_snapshot": "/au/finance/savings-accounts/v1/source/bank-of-queensland-limited/18906e88-5c03-ee11-8f6e-00224814d330.json", "snapshot_at": "2026-11-13T01:40:58Z", "bank_last_updated": "2026-11-11T21:53:42Z", "ranked": true, "unranked_reason": null, "row_count": 1, "terms_scan": { "scanned": "2026-11-01", "documents": [ "https://www.boq.com.au/business/business-bank-accounts/savings-and-investment-accounts/business-websavings-account", "https://www.boq.com.au/fragment/terms-and-conditions/business/business-bank-accounts/business-savings-and-investment-products", "https://www.boq.com.au/content/dam/boq/files/terms-and-conditions/business/transaction-and-investment-accounts-terms-and-conditions.pdf" ] } }, { "product_id": "b5176288-5c03-ee11-8f6e-00224814dce7", "product_name": "Kids Savings Account", "product_label": "Kids Savings Account", "product_slug": "kids-savings-account", "page": "/au/finance/savings-accounts/accounts/bank-of-queensland-limited/kids-savings-account/", "product_url": "https://www.boq.com.au/personal/banking/savings-and-term-deposits/kids-savings-account", "rate_correction": null, "interest_paid_correction": null, "min_balance_correction": null, "terms_url": "https://www.boq.com.au/content/dam/boq/files/terms-and-conditions/personal/deposit-products-terms-and-conditions.pdf", "fees_url": "https://www.boq.com.au/content/dam/boq/files/terms-and-conditions/personal/personal-banking-guide-to-fees-and-charges.pdf", "eligibility_url": "https://www.boq.com.au/personal/banking/savings-and-term-deposits/kids-savings-account", "account_type": "savings", "segments": [ "personal" ], "segment": "personal", "description": "It's never too early to teach kids to save! Encourage the right saving behaviour for children under 14 with a children's savings account held in their name. Make one withdrawal a month and still earn Bonus Interest variable rate. Start earning high interest from the first dollar. Deposit only acces…", "bonus_is_total": true, "intro_is_total": null, "intro_is_bonus_rate": null, "intro_months": null, "intro_conditions": [], "bonus_conditions": [ { "type": "other", "value": null, "text": "Calculated daily and paid monthly. Total interest rate will be 1.25% p.a. (1.20% p.a. Bonus Interest + 0.05% p.a. Variable base rate) if no more than one (1) withdrawal is made during a calendar month. Calculated daily and paid monthly." } ], "extra_bonuses": [], "max_bonus_balance": null, "min_balance": null, "max_balance": null, "notice_days": null, "rates_at_reference_balances": { "10000": { "ongoing_pct": 1.25, "intro_pct": null, "base_pct": 0.05 }, "50000": { "ongoing_pct": 1.25, "intro_pct": null, "base_pct": 0.05 }, "250000": { "ongoing_pct": 1.25, "intro_pct": null, "base_pct": 0.05 } }, "rankings": [], "features": { "card_access": false, "card": null, "digital_wallets": [], "osko": false, "payid": false, "payto": false, "bpay": false, "app": false, "notifications": false, "unlimited_transactions": false, "free_transactions": null, "linked_account_required": true, "round_up": false, "joint": null, "joint_bonus": null, "joint_not_for": null, "other": [ "Kids receive statements in their name, so they can watch their savings grow", "Linked parents or guardians have full access to the account", "Your child can make branch deposits, but all other account access by your child is restri…", "Kids receive their own deposit book and wallet to track their savings", "Receive a high rate of interest on your kid's savings account" ] }, "feature_tags": [ "linked account required" ], "interest_paid": "monthly", "interest_calculated": "daily", "monthly_fee": null, "monthly_fee_note": null, "fees_without_amount": [], "age_min": null, "age_max": 14, "restrictions": [ "age_limited", "linked_account", "existing_customers" ], "who_can_open": { "restricted": true, "groups": [ { "kind": "age", "who": "age 14 and under", "level": "product", "quote": "MAX_AGE 14", "source": "feed: eligibility MAX_AGE" }, { "kind": "existing_customers", "who": "no longer sold; information for existing account holders only", "level": "product", "quote": "Savings Accounts no longer for sale. 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